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ਫਿੰਕੈਸ਼ »ਮਿਉਚੁਅਲ ਫੰਡ »ਇਕਮੁਸ਼ਤ ਰਕਮ ਲਈ ਕਰਜ਼ਾ ਫੰਡ

ਤੁਹਾਡੇ ਇਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਲਈ ਡੈਬਟ ਮਿutਚੁਅਲ ਫੰਡ

Updated on March 31, 2025 , 2199 views

ਆਮ ਤੌਰ 'ਤੇ, ਜਦੋਂ ਕੋਈ ਚਾਹੁੰਦਾ ਹੈਮਿਉਚੁਅਲ ਫੰਡਾਂ ਵਿਚ ਨਿਵੇਸ਼ ਕਰੋ, ਉਹ ਉਲਝਣ ਵਿੱਚ ਹਨ ਜੇ ਉਹਨਾਂ ਨੂੰ ਇੱਕ ਲੈਣਾ ਚਾਹੀਦਾ ਹੈਐਸ.ਆਈ.ਪੀ. ਰਸਤਾ ਜਾਂ ਇਕਮੁਸ਼ਤ ਰਕਮ. ਆਓ ਤੁਹਾਡੇ ਲਈ ਇਹ ਸਧਾਰਣ ਬਣਾਉਂਦੇ ਹਾਂ! ਨਿਵੇਸ਼ਕ ਜੋ ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ ਵਿਚ ਨਿਵੇਸ਼ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਹਨ, ਉਨ੍ਹਾਂ ਨੂੰ ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ ਇਕ ਸਮੇਂ ਦਾ ਭੁਗਤਾਨ ਵਿਧੀ ਚੁਣਨੀ ਚਾਹੀਦੀ ਹੈ, ਜੋ ਕਿ ਨਿਵੇਸ਼ ਦਾ ਇਕਮੁਸ਼ਤ ਰਕਮ ਹੈ. ਇਹ ਅਸਾਨ ਨਾਲ ਇੱਕ ਛੋਟੇ ਅਵਧੀ ਲਈ ਨਿਵੇਸ਼ ਕਰਨਾ ਹਮੇਸ਼ਾਂ ਬੁੱਧੀਮਾਨ ਹੁੰਦਾ ਹੈਤਰਲਤਾ.

ਡੈਬਟ ਮਿutਚੁਅਲ ਫੰਡ ਨਿਵੇਸ਼ ਲਈ ਇਕਮੁਸ਼ਤ ਰਕਮ ਕਿਉਂ?

ਇਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਲਈ, ਕਰਜ਼ੇ ਦੇ ਫੰਡਾਂ ਦੀ ਤੁਲਨਾ ਵਿਚ ਬਿਹਤਰ ਵਿਕਲਪ ਹਨਇਕੁਇਟੀ ਮਿਉਚੁਅਲ ਫੰਡ. ਇਕਮੁਸ਼ਤ ਰਸਤਾ ਵਿਆਜ ਦਰ ਵਿਚ ਤਬਦੀਲੀ ਦੇ ਜੋਖਮ ਨੂੰ ਘਟਾਉਂਦਾ ਹੈ ਅਤੇ ਨਾਲ ਹੀ ਫਿਕਸਡ ਡਿਪਾਜ਼ਿਟ (ਐੱਫ ਡੀ) ਦੀ ਤੁਲਨਾ ਵਿਚ ਵਧੀਆ ਵਾਪਸੀ ਦਿੰਦਾ ਹੈ. ਆਦਰਸ਼ਕ ਤੌਰ ਤੇ, ਜਦੋਂ ਤੁਸੀਂ ਇੱਕਮੁਸ਼ਤ ਰਸਤਾ ਲੈਂਦੇ ਹੋਏ ਕਰਜ਼ੇ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹੋ, ਤਾਂ ਇਹ ਦੋ ਮੁੱਦਿਆਂ ਨੂੰ ਹੱਲ ਕਰਦਾ ਹੈ - ਇੱਕ ਟੈਕਸ ਲਾਭ ਅਤੇ ਦੂਜਾ ਮੁੜ ਨਿਵੇਸ਼ ਦਾ ਜੋਖਮ.

ਵੱਧ ਰਹੀਆਂ ਵਿਆਜ ਦਰਾਂ ਦੌਰਾਨ, ਉੱਚ ਗੁਣਵੱਤਾ ਦੇ ਪੋਰਟਫੋਲੀਓ ਦੇ ਨਾਲ ਕਰਜ਼ੇ ਦੇ ਅਧਾਰਤ ਫੰਡਾਂ ਵਿਚ ਇਕਮੁਸ਼ਤ ਰਸਤਾ ਅਪਣਾਉਣਾ ਚੰਗਾ ਸਮਾਂ ਹੈਬਾਂਡ. ਇਹ ਫੰਡ ਆਮ ਤੌਰ 'ਤੇ ਉਨ੍ਹਾਂ ਲੋਕਾਂ ਲਈ areੁਕਵੇਂ ਹੁੰਦੇ ਹਨ ਜਿਨ੍ਹਾਂ ਕੋਲ ਵਿਹਲੀ ਬਚਤ ਹੁੰਦੀ ਹੈ ਅਤੇ ਅਨੁਕੂਲ ਰਿਟਰਨਾਂ ਲਈ ਨਿਵੇਸ਼ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨ. ਇਕਮੁਸ਼ਤ ਅਦਾਇਗੀ ਦੀ ਕਿਸੇ ਵੀ ਗਿਣਤੀ ਵਿਚ ਕੀਤਾ ਜਾ ਸਕਦਾ ਹੈਮਿਉਚੁਅਲ ਫੰਡ.

ਯੋਜਨਾਬੱਧ ਦੇ ਮੁਕਾਬਲੇ ਇਕਮੁਸ਼ਤ ਨਿਵੇਸ਼ ਵਧੀਆ ਕੰਮ ਕਰਦਾ ਹੈਨਿਵੇਸ਼ ਦੀ ਯੋਜਨਾ- ਸਿਰਫ ਤਾਂ ਹੀ ਜੇਕਰ ਮਾਰਕੀਟ ਦੀ ਗੜਬੜ ਦੌਰਾਨ ਜਾਂ ਘੱਟ ਮੁੱਲਾਂਕਣ ਤੇ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਂਦਾ ਹੈ. ਹਾਲਾਂਕਿ, ਇਕਮੁਸ਼ਤ ਰਕਮਨਿਵੇਸ਼ ਬਾਜ਼ਾਰ ਦੀਆਂ ਮੁਲਾਂਕਣਾਂ ਨੂੰ ਵਧਾਉਣ ਵੇਲੇ ਜਾਂ ਜਦੋਂ ਤੁਹਾਡੇ ਨਿਵੇਸ਼ ਦੇ ਸ਼ੁਰੂਆਤੀ ਪੜਾਅ ਵਿੱਚ ਮਾਰਕੀਟ ਤੇਜ਼ੀ ਨਾਲ ਸਹੀ ਹੋ ਜਾਂਦੀ ਹੈ ਤਾਂ ਕੋਈ ਕੰਮ ਨਹੀਂ ਕਰ ਸਕਦਾ.

Why Debt Mutual Fund for Lump sum Investing

ਡੈਬਟ ਫੰਡਾਂ ਵਿਚ ਕਿਵੇਂ ਨਿਵੇਸ਼ ਕੀਤਾ ਜਾਵੇ: ਮੁਲਾਂਕਣ ਕਰੋ

ਫੰਡ ਰਿਟਰਨ- ਖਾਣੇ ਦਾ ਚੰਗਾ ਰਿਕਾਰਡ ਹੋਣਾ ਚਾਹੀਦਾ ਹੈ. ਇੱਕ ਫੰਡ ਹਾ houseਸ ਲਈ ਜਾਓ ਜਿਸਦਾ ਨਿਰੰਤਰ ਪ੍ਰਦਰਸ਼ਨ ਪੇਸ਼ ਕਰਨ ਦਾ ਇੱਕ ਮਜ਼ਬੂਤ ਇਤਿਹਾਸ ਹੈ. ਫੰਡ ਦੇ ਪਿਛਲੇ 1, 3 ਅਤੇ 5 ਸਾਲ ਦੇ ਰਿਟਰਨ ਦੀ ਜਾਂਚ ਕਰੋ ਅਤੇ ਜੇ ਇਹ ਇਸਦੇ ਬੈਂਚਮਾਰਕ ਨੂੰ ਹਰਾਉਣ ਦੇ ਯੋਗ ਹੈ ਜਾਂ ਨਹੀਂ.

ਮੈਚ ਦੇ ਸਮੇਂ ਦੀ ਦੂਰੀ- ਡੈਬਟ ਫੰਡ ਆਪਣੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਮਿਆਦ ਦੇ ਨਾਲ ਨਿਵੇਸ਼ ਦੀਆਂ ਵਿਭਿੰਨ ਵਿਕਲਪ ਪੇਸ਼ ਕਰਦੇ ਹਨ. ਨਿਵੇਸ਼ਕਾਂ ਨੂੰ ਆਪਣੀ ਮਿਆਦ ਪੂਰੀ ਹੋਣ ਦੀ ਮਿਆਦ ਦੇ ਅਧਾਰ ਤੇ ਨਿਵੇਸ਼ ਦਾ ਫੈਸਲਾ ਕਰਨ ਦੀ ਜ਼ਰੂਰਤ ਹੁੰਦੀ ਹੈ, ਜਦੋਂ ਕਿ ਉਹ ਦੂਜੇ ਨਾਲ ਤੁਲਨਾ ਵੀ ਕਰ ਸਕਦੇ ਹਨਡੈਬਟ ਫੰਡ ਸਾਧਨ ਅਤੇ ਇਕ ਦੀ ਚੋਣ ਕਰੋ ਜੋ ਉਨ੍ਹਾਂ ਦੀ ਯੋਜਨਾ ਲਈ ਸਭ ਤੋਂ ਵਧੀਆ ਹੋਵੇ. ਉਦਾਹਰਣ ਦੇ ਲਈ, ਜੇ ਤੁਸੀਂ ਇਕ ਸਾਲ ਦੀ ਨਿਵੇਸ਼ ਯੋਜਨਾ ਦੇ ਸਮੇਂ ਅਨੁਸਾਰ ਵੇਖ ਰਹੇ ਹੋ, ਤਾਂ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ ਕਰਜ਼ਾ ਫੰਡ ਆਦਰਸ਼ਕ ਤੌਰ 'ਤੇ ਅਨੁਕੂਲ ਹੋ ਸਕਦਾ ਹੈ.

ਖਰਚਾ ਅਨੁਪਾਤ- ਡੈਬਟ ਫੰਡਾਂ ਵਿੱਚ ਵਿਚਾਰੇ ਜਾਣ ਵਾਲੇ ਇੱਕ ਮਹੱਤਵਪੂਰਣ ਕਾਰਕ ਦਾ ਇਸਦਾ ਖਰਚਾ ਅਨੁਪਾਤ ਹੈ. ਖਰਚਿਆਂ ਦਾ ਉੱਚਾ ਅਨੁਪਾਤ ਫੰਡਾਂ ਦੀ ਕਾਰਗੁਜ਼ਾਰੀ ਤੇ ਵੱਡਾ ਪ੍ਰਭਾਵ ਪੈਦਾ ਕਰਦਾ ਹੈ. ਉਦਾਹਰਣ ਲਈ,ਤਰਲ ਫੰਡ ਸਭ ਤੋਂ ਘੱਟ ਖਰਚਾ ਅਨੁਪਾਤ ਹਨ ਜੋ 50 ਬੀ ਪੀਐਸ ਤੱਕ ਹੁੰਦੇ ਹਨ (ਬੀ ਪੀ ਐਸ ਇਕ ਵਿਆਜ ਦਰਾਂ ਨੂੰ ਮਾਪਣ ਲਈ ਇਕਾਈ ਹੈ ਜਿਸ ਵਿਚ ਇਕ ਬੀ ਪੀਐਸ 1% ਦੇ 1/100 ਵੇਂ ਦੇ ਬਰਾਬਰ ਹੈ) ਜਦੋਂ ਕਿ, ਹੋਰ ਰਿਣ ਫੰਡ 150 ਬੀ ਪੀਐਸ ਤੱਕ ਲੈ ਸਕਦੇ ਹਨ. ਇਸ ਲਈ ਇੱਕ ਡੈਬਟ ਮਿ mutualਚੁਅਲ ਫੰਡ ਦੇ ਵਿਚਕਾਰ ਚੋਣ ਕਰਨ ਲਈ, ਪ੍ਰਬੰਧਨ ਫੀਸ ਜਾਂ ਫੰਡ ਦੇ ਚੱਲ ਰਹੇ ਖਰਚਿਆਂ 'ਤੇ ਵਿਚਾਰ ਕਰਨਾ ਮਹੱਤਵਪੂਰਨ ਹੈ.

ਚੋਟੀ ਦੇ 10 ਸਰਬੋਤਮ ਇਕਮੁਸ਼ਤ ਕਰਜ਼ਾ ਮਿutਚਲ ਫੰਡ 2020 - 2021

ਹੇਠਾਂ ਚੋਟੀ ਦੇ ਦਰਜੇ ਵਾਲੇ ਫੰਡ ਹਨਕਰਜ਼ਾ ਵਰਗ ਮੁੱਖ ਤੌਰ 'ਤੇ ਹੋਣ ਵਾਲੇ ਫੰਡਏਯੂਐਮ> 2000 ਕਰੋੜ ਅਤੇ ਅਲਟਰਾ-ਸ਼ਾਰਟ, ਕਾਰਪੋਰੇਟ ਬਾਂਡ, ਕ੍ਰੈਡਿਟ ਜੋਖਮ, ਘੱਟ ਅਵਧੀ ਦੀਆਂ ਸਬ ਸ਼੍ਰੇਣੀਆਂ ਵਿੱਚ ਹਨ.

FundNAVNet Assets (Cr)Min Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)2023 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
Aditya Birla Sun Life Corporate Bond Fund Growth ₹111.085
↑ 0.46
₹25,293 1,000 2.84.49.27.28.57.48%3Y 9M 14D5Y 8M 19D
HDFC Corporate Bond Fund Growth ₹31.9931
↑ 0.13
₹32,191 5,000 2.74.3978.64.03%3Y 9M 19D5Y 11M 12D
Aditya Birla Sun Life Savings Fund Growth ₹538.206
↑ 0.87
₹14,988 1,000 247.86.97.97.84%5M 19D7M 20D
Nippon India Prime Debt Fund Growth ₹58.8824
↑ 0.25
₹6,498 1,000 2.84.49.17.28.47.44%3Y 10M 6D5Y 2M 26D
Kotak Corporate Bond Fund Standard Growth ₹3,702.78
↑ 14.32
₹14,449 5,000 2.74.28.96.98.37.41%2Y 9M 29D4Y 2M 8D
SBI Credit Risk Fund Growth ₹44.7634
↑ 0.13
₹2,255 5,000 2.54.48.77.48.18.73%2Y 1M 20D2Y 11M 23D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Apr 25

1. Aditya Birla Sun Life Corporate Bond Fund

(Erstwhile Aditya Birla Sun Life Short Term Fund)

An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.

Aditya Birla Sun Life Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 3 Mar 97. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 9% since its launch.  Ranked 1 in Corporate Bond category.  Return for 2024 was 8.5% , 2023 was 7.3% and 2022 was 4.1% .

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund
Growth
Launch Date 3 Mar 97
NAV (02 Apr 25) ₹111.085 ↑ 0.46   (0.42 %)
Net Assets (Cr) ₹25,293 on 28 Feb 25
Category Debt - Corporate Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.5
Sharpe Ratio 1.37
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.48%
Effective Maturity 5 Years 8 Months 19 Days
Modified Duration 3 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,978
31 Mar 22₹11,525
31 Mar 23₹12,062
31 Mar 24₹13,003
31 Mar 25₹14,137

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for Aditya Birla Sun Life Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 25

DurationReturns
1 Month 1.7%
3 Month 2.8%
6 Month 4.4%
1 Year 9.2%
3 Year 7.2%
5 Year 7.3%
10 Year
15 Year
Since launch 9%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.5%
2022 7.3%
2021 4.1%
2020 4%
2019 11.9%
2018 9.6%
2017 7%
2016 6.5%
2015 10.2%
2014 8.9%
Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
NameSinceTenure
Kaustubh Gupta12 Apr 213.89 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash3.8%
Debt95.93%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate60.28%
Government35.65%
Cash Equivalent3.8%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
8%₹2,033 Cr198,661,700
7.18% Govt Stock 2033
Sovereign Bonds | -
7%₹1,751 Cr170,500,000
↓ -33,000,000
7.18% Govt Stock 2037
Sovereign Bonds | -
5%₹1,267 Cr123,324,100
↓ -30,000,000
Small Industries Development Bank Of India
Debentures | -
3%₹744 Cr74,550
↓ -2,500
Small Industries Development Bank Of India
Debentures | -
2%₹599 Cr6,000
Bajaj Housing Finance Limited
Debentures | -
2%₹555 Cr55,000
6.92% Govt Stock 2039
Sovereign Bonds | -
2%₹502 Cr49,779,000
↓ -2,500,000
Bajaj Finance Limited
Debentures | -
2%₹452 Cr45,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹411 Cr41,000
↓ -2,500
6.79% Government Of India (07/10/2034)
Sovereign Bonds | -
2%₹408 Cr40,500,000
↑ 25,500,000

2. HDFC Corporate Bond Fund

(Erstwhile HDFC Medium Term Opportunities Fund)

To generate regular income through investments in Debt/ Money Market Instruments and Government Securities with maturities not exceeding 60 months.

HDFC Corporate Bond Fund is a Debt - Corporate Bond fund was launched on 29 Jun 10. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 8.2% since its launch.  Ranked 2 in Corporate Bond category.  Return for 2024 was 8.6% , 2023 was 7.2% and 2022 was 3.3% .

Below is the key information for HDFC Corporate Bond Fund

HDFC Corporate Bond Fund
Growth
Launch Date 29 Jun 10
NAV (02 Apr 25) ₹31.9931 ↑ 0.13   (0.40 %)
Net Assets (Cr) ₹32,191 on 28 Feb 25
Category Debt - Corporate Bond
AMC HDFC Asset Management Company Limited
Rating
Risk Moderately Low
Expense Ratio 0.59
Sharpe Ratio 1.41
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load NIL
Yield to Maturity 4.03%
Effective Maturity 5 Years 11 Months 12 Days
Modified Duration 3 Years 9 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,879
31 Mar 22₹11,405
31 Mar 23₹11,862
31 Mar 24₹12,802
31 Mar 25₹13,906

HDFC Corporate Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for HDFC Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 25

DurationReturns
1 Month 1.8%
3 Month 2.7%
6 Month 4.3%
1 Year 9%
3 Year 7%
5 Year 6.9%
10 Year
15 Year
Since launch 8.2%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.6%
2022 7.2%
2021 3.3%
2020 3.9%
2019 11.8%
2018 10.3%
2017 6.5%
2016 6.5%
2015 10.6%
2014 8.6%
Fund Manager information for HDFC Corporate Bond Fund
NameSinceTenure
Anupam Joshi27 Oct 159.35 Yr.
Dhruv Muchhal22 Jun 231.69 Yr.

Data below for HDFC Corporate Bond Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash3.2%
Debt96.52%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate61.07%
Government35.46%
Cash Equivalent3.2%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.23% Government Of India (15/04/2039)
Sovereign Bonds | -
4%₹1,293 Cr125,000,000
↓ -25,000,000
7.93% Govt Stock 2033
Sovereign Bonds | -
4%₹1,286 Cr125,000,000
6.92% Govt Stock 2039
Sovereign Bonds | -
3%₹1,008 Cr100,000,000
↓ -15,000,000
7.53% Govt Stock 2034
Sovereign Bonds | -
3%₹818 Cr81,000,000
State Bank Of India
Debentures | -
2%₹789 Cr800
HDFC Bank Limited
Debentures | -
2%₹509 Cr50,000
Bajaj Housing Finance Limited
Debentures | -
2%₹504 Cr50,000
Ncd Small Industries Development Bank Of India
Debentures | -
2%₹500 Cr50,000
LIC Housing Finance Limited
Debentures | -
2%₹500 Cr5,000
Reliance Industries Limited
Debentures | -
1%₹472 Cr4,500

3. Aditya Birla Sun Life Savings Fund

The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.

Aditya Birla Sun Life Savings Fund is a Debt - Ultrashort Bond fund was launched on 16 Apr 03. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.4% since its launch.  Ranked 6 in Ultrashort Bond category.  Return for 2024 was 7.9% , 2023 was 7.2% and 2022 was 4.8% .

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund
Growth
Launch Date 16 Apr 03
NAV (02 Apr 25) ₹538.206 ↑ 0.87   (0.16 %)
Net Assets (Cr) ₹14,988 on 28 Feb 25
Category Debt - Ultrashort Bond
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.54
Sharpe Ratio 3.52
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.84%
Effective Maturity 7 Months 20 Days
Modified Duration 5 Months 19 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,634
31 Mar 22₹11,077
31 Mar 23₹11,676
31 Mar 24₹12,543
31 Mar 25₹13,517

Aditya Birla Sun Life Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 25

DurationReturns
1 Month 1%
3 Month 2%
6 Month 4%
1 Year 7.8%
3 Year 6.9%
5 Year 6.2%
10 Year
15 Year
Since launch 7.4%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.9%
2022 7.2%
2021 4.8%
2020 3.9%
2019 7%
2018 8.5%
2017 7.6%
2016 7.2%
2015 9.2%
2014 8.9%
Fund Manager information for Aditya Birla Sun Life Savings Fund
NameSinceTenure
Sunaina Cunha20 Jun 1410.7 Yr.
Kaustubh Gupta15 Jul 1113.64 Yr.
Monika Gandhi22 Mar 213.95 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash40.5%
Debt59.18%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate69.04%
Cash Equivalent24.5%
Government6.14%
Credit Quality
RatingValue
AA33.14%
AAA66.86%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Shriram Finance Company Limited
Debentures | -
4%₹603 Cr60,000
Nirma Limited
Debentures | -
3%₹485 Cr48,500
364 DTB
Sovereign Bonds | -
3%₹471 Cr47,500,000
National Housing Bank
Debentures | -
3%₹400 Cr40,000
182 DTB 29082025
Sovereign Bonds | -
2%₹340 Cr35,000,000
Mankind Pharma Ltd
Debentures | -
2%₹305 Cr30,500
Avanse Financial Services Ltd 9.40%
Debentures | -
2%₹299 Cr30,000
Axis Bank Ltd.
Debentures | -
2%₹279 Cr6,000
↑ 6,000
ICICI Home Finance Company Limited
Debentures | -
2%₹270 Cr27,000
Bajaj Housing Finance Ltd. 8%
Debentures | -
2%₹250 Cr25,000
↓ -5,000

4. Nippon India Prime Debt Fund

(Erstwhile Reliance Medium Term Fund)

The primary investment objective of the Scheme is to generate regular income in order to make regular dividend payments to unit-holders and the secondary objective is growth of capital.

Nippon India Prime Debt Fund is a Debt - Corporate Bond fund was launched on 14 Sep 00. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 20 in Corporate Bond category.  Return for 2024 was 8.4% , 2023 was 7.1% and 2022 was 4.3% .

Below is the key information for Nippon India Prime Debt Fund

Nippon India Prime Debt Fund
Growth
Launch Date 14 Sep 00
NAV (02 Apr 25) ₹58.8824 ↑ 0.25   (0.43 %)
Net Assets (Cr) ₹6,498 on 28 Feb 25
Category Debt - Corporate Bond
AMC Nippon Life Asset Management Ltd.
Rating
Risk Moderately Low
Expense Ratio 0.69
Sharpe Ratio 1.2
Information Ratio 0
Alpha Ratio 0
Min Investment 1,000
Min SIP Investment 100
Exit Load NIL
Yield to Maturity 7.44%
Effective Maturity 5 Years 2 Months 26 Days
Modified Duration 3 Years 10 Months 6 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,760
31 Mar 22₹11,326
31 Mar 23₹11,869
31 Mar 24₹12,800
31 Mar 25₹13,900

Nippon India Prime Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Nippon India Prime Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 25

DurationReturns
1 Month 1.8%
3 Month 2.8%
6 Month 4.4%
1 Year 9.1%
3 Year 7.2%
5 Year 6.9%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.4%
2022 7.1%
2021 4.3%
2020 4.7%
2019 9.5%
2018 7.8%
2017 6.9%
2016 6.6%
2015 9.1%
2014 8.7%
Fund Manager information for Nippon India Prime Debt Fund
NameSinceTenure
Vivek Sharma1 Feb 205.16 Yr.
Kinjal Desai25 May 186.86 Yr.

Data below for Nippon India Prime Debt Fund as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash3.69%
Debt96.03%
Other0.28%
Debt Sector Allocation
SectorValue
Corporate60.73%
Government35.3%
Cash Equivalent3.69%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
12%₹721 Cr70,500,000
INDIA UNIVERSAL TRUST AL2
Unlisted bonds | -
2%₹148 Cr150
INDIA UNIVERSAL TRUST AL1
Unlisted bonds | -
2%₹146 Cr150
6.79% Government Of India (07/10/2034)
Sovereign Bonds | -
2%₹146 Cr14,500,000
↓ -10,000,000
7.18% Govt Stock 2037
Sovereign Bonds | -
2%₹139 Cr13,500,000
LIC Housing Finance Limited
Debentures | -
2%₹135 Cr13,500
Mahindra & Mahindra Financial Services Ltd
Debentures | -
2%₹129 Cr13,000
Small Industries Development Bank Of India
Debentures | -
2%₹129 Cr13,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹128 Cr12,800
Rec Limited 7.34%
Debentures | -
2%₹124 Cr12,500
↑ 12,500

5. Kotak Corporate Bond Fund Standard

The primary objective of the Scheme is to generate income through investment primarily in low duration debt & money market securities. However, there is no assurance that the objective of the scheme will be realized.

Kotak Corporate Bond Fund Standard is a Debt - Corporate Bond fund was launched on 21 Sep 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.8% since its launch.  Ranked 15 in Corporate Bond category.  Return for 2024 was 8.3% , 2023 was 6.9% and 2022 was 3.7% .

Below is the key information for Kotak Corporate Bond Fund Standard

Kotak Corporate Bond Fund Standard
Growth
Launch Date 21 Sep 07
NAV (02 Apr 25) ₹3,702.78 ↑ 14.32   (0.39 %)
Net Assets (Cr) ₹14,449 on 28 Feb 25
Category Debt - Corporate Bond
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately Low
Expense Ratio 0.67
Sharpe Ratio 1.27
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 1,000
Exit Load NIL
Yield to Maturity 7.41%
Effective Maturity 4 Years 2 Months 8 Days
Modified Duration 2 Years 9 Months 29 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,779
31 Mar 22₹11,274
31 Mar 23₹11,748
31 Mar 24₹12,634
31 Mar 25₹13,707

Kotak Corporate Bond Fund Standard SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for Kotak Corporate Bond Fund Standard

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 25

DurationReturns
1 Month 1.6%
3 Month 2.7%
6 Month 4.2%
1 Year 8.9%
3 Year 6.9%
5 Year 6.6%
10 Year
15 Year
Since launch 7.8%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.3%
2022 6.9%
2021 3.7%
2020 3.8%
2019 9.7%
2018 9.6%
2017 7.5%
2016 6.9%
2015 9.4%
2014 8.8%
Fund Manager information for Kotak Corporate Bond Fund Standard
NameSinceTenure
Deepak Agrawal1 Feb 1510.08 Yr.
Manu Sharma1 Nov 222.33 Yr.

Data below for Kotak Corporate Bond Fund Standard as on 28 Feb 25

Asset Allocation
Asset ClassValue
Cash3.1%
Debt96.63%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate61.96%
Government34.67%
Cash Equivalent3.1%
Credit Quality
RatingValue
AAA99.65%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
13%₹1,776 Cr172,935,080
↓ -5,000,000
7.1% Govt Stock 2034
Sovereign Bonds | -
8%₹1,066 Cr104,220,308
↓ -10,000,000
Jamnagar Utilities & Power Private Limited
Debentures | -
4%₹558 Cr5,700
LIC Housing Finance Limited
Debentures | -
3%₹458 Cr4,550
Bajaj Finance Limited
Debentures | -
3%₹437 Cr43,500
National Bank For Agriculture And Rural Development
Debentures | -
3%₹434 Cr43,500
7.53% Govt Stock 2034
Sovereign Bonds | -
3%₹429 Cr42,500,000
Small Industries Development Bank Of India
Debentures | -
2%₹346 Cr34,500
Power Finance Corporation Ltd.
Debentures | -
2%₹325 Cr32,500
Mahindra & Mahindra Financial Services Ltd
Debentures | -
2%₹303 Cr30,000

6. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

The investment objective will be to actively manage a portfolio of good quality corporate debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders. However there is no guarantee or assurance that the investment objective of the scheme will be achieved.

SBI Credit Risk Fund is a Debt - Credit Risk fund was launched on 19 Jul 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 3 in Credit Risk category.  Return for 2024 was 8.1% , 2023 was 8.3% and 2022 was 4.2% .

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund
Growth
Launch Date 19 Jul 04
NAV (02 Apr 25) ₹44.7634 ↑ 0.13   (0.30 %)
Net Assets (Cr) ₹2,255 on 15 Mar 25
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.56
Sharpe Ratio 1.29
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity 8.73%
Effective Maturity 2 Years 11 Months 23 Days
Modified Duration 2 Years 1 Month 20 Days

Growth of 10,000 investment over the years.

DateValue
31 Mar 20₹10,000
31 Mar 21₹10,803
31 Mar 22₹11,404
31 Mar 23₹11,939
31 Mar 24₹12,987
31 Mar 25₹14,076

SBI Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for SBI Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Apr 25

DurationReturns
1 Month 1.5%
3 Month 2.5%
6 Month 4.4%
1 Year 8.7%
3 Year 7.4%
5 Year 7.1%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.1%
2022 8.3%
2021 4.2%
2020 5%
2019 9.8%
2018 6.5%
2017 6.2%
2016 6.9%
2015 10.5%
2014 9.7%
Fund Manager information for SBI Credit Risk Fund
NameSinceTenure
Lokesh Mallya1 Feb 178.16 Yr.
Pradeep Kesavan1 Dec 231.33 Yr.
Adesh Sharma1 Dec 231.33 Yr.

Data below for SBI Credit Risk Fund as on 15 Mar 25

Asset Allocation
Asset ClassValue
Cash15.28%
Equity2.66%
Debt81.71%
Other0.35%
Debt Sector Allocation
SectorValue
Corporate66.51%
Cash Equivalent15.28%
Government15%
Securitized0.21%
Credit Quality
RatingValue
A18.33%
AA65.03%
AAA16.64%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.23% Government Of India (15/04/2039)
Sovereign Bonds | -
9%₹196 Cr19,000,000
Aadhar Housing Finance Limited
Debentures | -
5%₹112 Cr11,200
Nirma Limited
Debentures | -
5%₹110 Cr11,000
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
5%₹107 Cr11,000
Infopark Properties Ltd.
Debentures | -
5%₹105 Cr10,500
6.79% Government Of India (07/10/2034)
Sovereign Bonds | -
4%₹86 Cr8,500,000
Century Textiles And Industried Limited
Debentures | -
4%₹85 Cr8,500
Sandur Manganese And Iron Ores Limited (The)
Debentures | -
4%₹83 Cr8,500
Renserv Global Pvt Ltd.
Debentures | -
4%₹80 Cr8,000
Avanse Financial Services Ltd.
Debentures | -
4%₹80 Cr8,000

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